| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD SUITE 450 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $35K | $0 | $35K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 8.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.56% |
| DERRELL B ODOM3 Filed as: DERRELL ODOM | 5082 MARIANA COURT TEGA CAY, SC 29708 | AFLAC | $3K | $123 | $3K | 9.15% |
| DONNA L MATTHEWS3 Filed as: DONNA MATTHEWS | 4089 LINDA ROAD ROCK HILL, SC 29730 | AFLAC | $660 | $25 | $685 | 2.34% |
| MJ INSURANCE3 Filed as: MARY JONES AND VARIOUS AGENTS | 2387 HARBOR VIEW ROAD CAMDEN, SC 29020 | AFLAC | $510 | $0 | $510 | 1.74% |
| DAVID C BERRY3 Filed as: DAVID BERRY | 2545 HEATHWAY DRIVE FLORENCE, SC 29501 | AFLAC | $174 | $25 | $199 | 0.68% |
| JEREMY W. CASSIDY AND OTHER AGENTS3 Filed as: JEREMY CASSIDY | 1833 HOPEWELL ROAD ROCK HILL, SC 29730 | AFLAC | $167 | $0 | $167 | 0.57% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ | 1201 MAIN STREET SUITE 2300 COLUMBIA, SC 29201 | AFLAC | $126 | $0 | $126 | 0.43% |
| LESTER D PARK3 Filed as: LESTER PARK | 203 CLEARMEADOW DRIVE COLUMBIA, SC 29229 | AFLAC | $77 | $0 | $77 | 0.26% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 119 | $789K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $183K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $183K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $212K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $183K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 119 | $789K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.